Assessing incentives for service-level selection in private health insurance exchanges.
Even with open enrollment and mandated purchase, incentives created by adverse selection may undermine the efficiency of service offerings by plans in the new health insurance Exchanges created by the Affordable Care Act. Using data on persons likely to participate in Exchanges drawn from five waves...
| Publicado en: | Journal of Health Economics Vol. 35; pp. 47 - 64 |
|---|---|
| Autores principales: | , , , , |
| Formato: | Journal Article |
| Publicado: |
Elsevier B.V.
May2014
|
| Acceso en línea: | Ver este registro en EBSCOhost |
| fields | @attributes: recordID: 1 pdfLink: plink: https://search.ebscohost.com/login.aspx?direct=true&db=ccm&AN=109669282&site=ehost-live header: @attributes: shortDbName: ccm uiTerm: 109669282 longDbName: CINAHL Complete uiTag: AN controlInfo: bkinfo: dissinfo: jinfo: jid: 01676296 JOH jtl: Journal of Health Economics issn: 01676296 maglogo: N pubinfo: dt: May2014 vid: 35 pid: 1004 pub: Elsevier B.V. artinfo: ui: 109669282 NLM24603443 2012601560 10.1016/j.jhealeco.2014.01.009 NLM24603443 PMC4040329 109669282 ppf: 47 ppct: 17 formats: tig: atl: Assessing incentives for service-level selection in private health insurance exchanges. aug: au: McGuire, Thomas G Newhouse, Joseph P Normand, Sharon-Lise Shi, Julie Zuvekas, Samuel sug: ab: Even with open enrollment and mandated purchase, incentives created by adverse selection may undermine the efficiency of service offerings by plans in the new health insurance Exchanges created by the Affordable Care Act. Using data on persons likely to participate in Exchanges drawn from five waves of the Medical Expenditure Panel Survey, we measure plan incentives in two ways. First, we construct predictive ratios, improving on current methods by taking into account the role of premiums in financing plans. Second, relying on an explicit model of plan profit maximization, we measure incentives based on the predictability and predictiveness of various medical diagnoses. Among the chronic diseases studied, plans have the greatest incentive to skimp on care for cancer, and mental health and substance abuse. pubtype: Academic Journal doctype: Journal Article ougenre: Article language: English refInfo: holdings: @attributes: islocal: N |
|---|